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In its final board meeting of the year, the Reserve Bank of Australia has held the cash rate at 3.6%. This follows data ...
09/12/2025

In its final board meeting of the year, the Reserve Bank of Australia has held the cash rate at 3.6%.

This follows data that showed higher inflation than expected.

To find out more about what this means for you, reach out.

Your home loan is likely your largest monthly expense, but refinancing it to a more competitive loan can put thousands o...
29/11/2025

Your home loan is likely your largest monthly expense, but refinancing it to a more competitive loan can put thousands of dollars back in your pocket every year.

The best Black Friday bargain may not be a fleeting flash sale; it could be securing a better interest rate.

Skip the queues and secure real savings.

26/11/2025

Most people don’t need more noise — they just need to see their numbers clearly.

If this resonates, flick me a message and I’ll help you set up the same snapshot for your own situation.

Stamp duty is a massive upfront cost, but every Australian state and territory offers exemptions or concessions, especia...
25/11/2025

Stamp duty is a massive upfront cost, but every Australian state and territory offers exemptions or concessions, especially for first-home buyers.

Here is the quick FHB cheat sheet for full stamp duty exemption (or full concession):
🌉 NSW: Exempt up to $800k (existing/new homes).
🏗️ VIC: Exempt up to $600k (concession up to $750k).
☀️ QLD: $0 duty on new builds/vacant land (no cap, from May 2025). Full concession on established homes up to $700k.
👷‍♀️ WA: Concession up to $700k (in the Metropolitan/Peel regions).
🏛️ ACT: Full Concession (Home Buyer Concession Scheme) for eligible homes (income-tested, no price cap).
🍇 SA: Abolished for FHBs buying/building a new home (no cap).
🍎 TAS: 100% Exemption on established homes up to $750k (until June 2026).
🌴 NT: Full Exemption on House and Land Packages (until June 2027).

Don't miss out on your concessions. We know the thresholds, grants and paperwork for every state.

Ready to find out exactly how much you can save? Let's check your eligibility.

🤔 When you're comparing home loan offers, it's easy to focus on the rate, but that number doesn't tell the full story. D...
22/11/2025

🤔 When you're comparing home loan offers, it's easy to focus on the rate, but that number doesn't tell the full story.

Different loans come with unique fees, features and repayment options that drastically change the total cost.

Our loans calculator is the perfect place to start. Use it to stack up two different loans side-by-side and see how the numbers stack up.

Ready to check the real cost of your options? Try the calculator on our website.

https://www.viqf.com.au/calculators-tools/loan-comparison-calculator/

Yesterday was International Men's Day - a time to celebrate the positive value men bring to their families and communiti...
20/11/2025

Yesterday was International Men's Day - a time to celebrate the positive value men bring to their families and communities.

We recognise the diverse contributions of men everywhere and take this opportunity to promote positive male role models while highlighting the importance of men's health and wellbeing.

Let's encourage open conversations around mental health and celebrate the men who make a difference in our lives.

🏡✨ Finding a home under $650,000 is impossible right? Wrong. Here are 10 suburbs across Australia that deliver both valu...
16/11/2025

🏡✨ Finding a home under $650,000 is impossible right? Wrong.

Here are 10 suburbs across Australia that deliver both value and a lifestyle.

Whether you're a first-home buyer or an investor looking for growth, these locations offer strong potential and great connectivity.

Ready to make your investment?

Let’s talk about securing your spot in this market. VIQ Finance is here to help.

13/11/2025

Foundations first. Goals second.

If you want real progress in 2025, build the structure that actually supports it.

Most people set goals with emotion.

Winners set goals with intelligence, process, and clarity.

This is how we do it at VIQ.

One of the biggest advantages of an SMSF is the ability to acquire direct investment property using a Limited Recourse B...
13/11/2025

One of the biggest advantages of an SMSF is the ability to acquire direct investment property using a Limited Recourse Borrowing Arrangement (LRBA).

The benefits are clear:
✨ leverage your super balance to purchase assets.
💰 rental income and capital gains are taxed at concessional super rates.

This is a specialised strategy with strict rules. We can help you understand the risks and rewards.

Contact us today to explore your property investment options within super.

09/11/2025

🎓 Got a HECS-HELP debt? Here’s what most people don’t realise — it can affect your borrowing power, but the rules have just changed.

The key is knowing how lenders view it and planning your strategy like a CFO, not a student.

💬 DM “HECS” for a personalised breakdown of how your student debt impacts your home loan eligibility — and how to turn it to your advantage.

Truth in lending. Intelligence in wealth. 💡

💰 Struggling with borrowing power alone? Two incomes could be a game-changer.But remember, that partner doesn't have to ...
06/11/2025

💰 Struggling with borrowing power alone? Two incomes could be a game-changer.

But remember, that partner doesn't have to be your spouse.

Many Australians buy successfully with:
🤝 A friend
👯 A sibling
👨‍👩‍👧 A relative

It’s all about getting your foot in the door.

🔑 Always discuss your exit strategy upfront.

Life changes, and having a plan for when one of you needs to sell or move out is a non-negotiable.

Ready to see what you can borrow together? Let's chat about your options.

VIQ Finance is here to help.

Address

Ferny Creek, VIC
3786

Telephone

+61422700598

Website

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